If you follow the rules your insurance company sets out, and follow these few tips, you'll be able to obtain affordable insurance rates with no problems. Insurance providers go by several criteria to decide which drivers get the best rates.

Reduce the number of miles you put on your car annually in order to enjoy lower auto insurance premiums. The less you drive the lower you can get your monthly premium.

Keep a clean license. Your insurance will be very expensive if you have a lot of traffic citations and accidents on your driving record. If you already have an accident or tickets on your driving record, you may be able to lower your insurance costs by taking a traffic course.

If you are thinking about buying aftermarket parts for your vehicle, speak with your insurance company to find out exactly what and how much they pay if your car was in an accident or stolen. Most of the time, they will not cover those unless they add value to the car, but that may not be a lot.

Make sure to check affordable car insurance for WY prices before buying a new vehicle. Your insurance agent can advise you on the models of cars that can save you money on your premiums. This can be quite helpful to you when it comes to selecting a car, whether new or used. Buying a car with a higher safety rating can result in substantial savings for your auto insurance.

When purchasing car insurance for a teenager, compare the difference between adding them to your insurance or buying them their own policy. It can sometimes be cheaper to purchase a different policy, but this depends on what vehicles are involved.

If you can, avoid paying your insurance bill in monthly installments. If you pay monthly, there could be a surcharge of between $3 and $5. This can quickly build up. This can be a burden in addition to your monthly expenses. You generally spend less on your insurance if you pay the bill in full when it is due.

The best tip your can get to reduce your car insurance is to keep your driving record clean. A car accident will increase your auto insurance rates the most. Be mindful of your limitations when you drive, and steer clear of situations can lead to accidents. For example, if you have trouble with your vision at night, avoid driving after daylight hours.

In the event of a car accident, the proper type of auto insurance online coverage can cover a notable amount of money. The car's owner will pay a set amount, known as a deductible, while the insurance company is obligated to pay for the remainder of the cost to repair the vehicle. Depending on the amount of the deductible, this could save one a significant amount of money.

Don't cancel your original insurance plan until you're sure you have another auto insurance company that will insure you. Not having auto insurance is a risky game of chance. Accidents can happen at the most unexpected moments, and you want to make sure you are covered no matter what.

Insurance companies do not all operate in the same way. If you receive a quote you feel dissatisfied with, there are many other companies to shop around at.

If you ever have to file a claim, your insurance company will be easier to work with if you have the proper documentation. If you can, take pictures with your cell phone or ask a witness to take pictures with his phone so that there is a record of the incident. You may also want to leave a camera with you, just to prepare yourself for the worst.

It will have a "consumer complaint ratio" measurement that would be applicable to all, or a good number of insurance providers that are located in your area. This number reveals the percentage of complaints for a given provider.

People who have higher FICO credit ratings are often able to save money on their car insurance. Were you even aware that auto insurance companies pull your credit file? More insurers have factored credit scores into their rating models lately, especially since studies show that people with poor credit tend to get in more accidents. By keeping a good credit score you will be able to get low insurance rates.

Now you know that affordable car insurance premiums are not a rarity. Use these tips to help you lower your car insurance premiums.